基于区块链的供应链金融应收账款质押融资模式演化博弈研究
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Research on Evolutionary Game Model of Supply Chain Finance Receivables Pledge Financing Model Based on Blockchain
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    摘要:

    以应收账款质押业务为研究对象,构建加入区块链技术前后的“中小企业—金融机构”的双方演化博弈模型,分析金融机构与中小企业的稳定策略的变化,得到区块链化解应收账款质押融资风险的真实因素,最后利用仿真软件对结论进行验证分析。研究发现,在加入区块链之后,中小企业通过对守约进行激励、加大中小企业违约的隐性损失等方式,使得整个博弈系统通过长期的演化达到(接受贷款,守约)的状态,从而化解应收账款质押融资的相关风险。

    Abstract:

    Taking the accounts receivable pledge business as the research object, an evolutionary game model of “smes-financial institutions” before and after joining the blockchain technology was built, the changes in the stability strategies of financial institutions and smes were analyzed, and the real factors of resolving the financing risks of accounts receivable pledge by blockchain were obtained. Finally, simulation software was used to verify and analyze the conclusions. The research found that after joining the blockchain, smes can make the whole game system reach the state of (accepting loans and keeping promises) through long-term evolution by incentivifying the compliance and increasing the hidden losses of smes in default, thus resolving the related risks of accounts receivable pledge financing.

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程普文,王佳,郑燕双.基于区块链的供应链金融应收账款质押融资模式演化博弈研究[J].科技与产业,2024,24(10):168-174

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  • 在线发布日期: 2024-05-24